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“I’m credentialed with Aetna” usually means one of two very different things, and the difference decides whether your claims pay in-network. You need both to be in-network: a credentialed provider linked to a contracted TIN. The failure modes are the gaps between them: credentialed but no contract (paid out-of-network or not at all), contracted entity but a new associate not yet credentialed under it (their claims deny while colleagues’ pay), or a new TIN after an entity change that silently orphans the old contract. The fix is always the same question to the payer: “Is this provider credentialed, and is this TIN contracted, and are they linked?” Full process: Get credentialed and Payer contracting.